2017 CIGNA - Hewitt · cigna consumer-driven health plans (cdh) cdh basic and cdh plus plans 1 your...

16-0231 CORE ADV 09/16

2017 CIGNAEnrollment

Guide

For employees who are eligible for the Core Advantage, CDH Basic, CDH Plus and HSA Medical Plans

YOUR CIGNA MEDICAL PLAN CHOICES

FIND OUT MORE

THREE HRA PLANS (CORE ADVANTAGE, CDH BASIC AND CDH PLUS)One Core Advantage and two Consumer-Driven Health plans that include Health Reimbursement Accounts (HRAs) funded by International Paper.

A HEALTH SAVINGS ACCOUNT MEDICAL PLAN A High Deductible Health Plan that allows you to contribute your own tax-free dollars to a Health Savings Account (HSA).

SEE ANY DOCTOR IN THE CIGNA NATIONAL NETWORKAll four plans include the Cigna national Open Access Plus (OAP) network with approximately 896,000 participating health care providers and 15,000 facilities (including 8,424 hospitals). You can see any doctor, including a specialist, without a referral.

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Visit the Cigna Pre-Enrollment Website By logging in to this site, you can confirm whether your doctor is in the Cigna OAP network and review each of the medical plans in greater detail.

Go to: myCignaPlans.com Open Enrollment ID: IPaperCoreAdv2017 Open Enrollment Password: cigna

Here are two easy ways you can learn more about your Cigna plan options.

Cigna is pleased to team up with International Paper to meet your health care needs in 2017.

Call the Cigna Pre-Enrollment Customer Service Line Customer service representatives are available at 1.800.401.4041. They can provide more information about the Cigna plans available to you and tell you whether your doctor is in the network.

Representatives are available 24 hours a day, 7 days a week. If you would like to talk with a representative who speaks Spanish or another language, just ask.

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PREVENTIVE CAREPreventive care, including wellness visits and routine immunizations and screenings, is covered in full when you see a network doctor. Age and gender guidelines apply. Payments for covered preventive care services do not reduce the amount of your Health Reimbursement Account (HRA) balance.

HEALTH REIMBURSEMENT ACCOUNT (HRA)Your HRA is funded by International Paper. The amount you receive each year depends on the level of coverage you select. Your HRA automatically pays first and covers 100% of your eligible medical and pharmacy expenses as long as there is money in your account. Any money left in your HRA at the end of the year will roll over for your use the following year.

YOUR SHARE If you spend all the dollars in your HRA, you are responsible for meeting the balance of your Deductible, which is called Your Share. All covered family members’ expenses count toward Your Share. Network doctors and hospitals will request payment from you once your claim has been processed by Cigna; network pharmacies, however, will request payment at the time of purchase.

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PLAN SINGLE FAMILY

Core Advantage Plan $500 $1,000

CIGNA CORE ADVANTAGE PLANHRA Plan

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YOUR SHARE

COINSURANCE

OUT-OF-POCKET MAXIMUM5

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3

HEALTH REIMBURSEMENT ACCOUNT (HRA)

2

PREVENTIVE CARE1

DED

UCT

IBLE

HRA Plan

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3

YOUR ANNUAL DEDUCTIBLE HRA + Your Share

PLAN SINGLE FAMILY

Core Advantage Plan $525 $1,050

PLAN SINGLE FAMILY

Core Advantage Plan $1,025 $2,050

COINSURANCE After you meet your Deductible (your HRA plus Your Share), you and the Core Advantage Plan share costs through Coinsurance. There is a cap on the amount of Coinsurance you will pay.

* Based on the maximum reimbursable charge for the service in your area. If you use an Out-of-Network provider, your expenses may exceed the Coinsurance amount shown because the Out-of-Network provider may choose to bill you for charges that are in excess of what your Plan reimburses for covered expenses. Covered Out-of-Network expenses are also subject to an additional Deductible/Out-of-Pocket Maximum of $500 for single coverage and $1,000 for family coverage.

** You and your HRA also are protected against high drug costs while you are meeting your Deductible. Neither you nor your HRA will ever have to pay more than the maximum amounts listed for each in-network purchase of a prescription drug; the balance of the cost is paid by the Plan.

OUT-OF-POCKET MAXIMUM Deductible + Coinsurance Maximum

If you reach the Out-of-Pocket Maximum, your and your family’s eligible expenses are covered at 100% for the rest of the year. Your Out-of-Pocket Maximum consists of your full annual Deductible plus your Coinsurance Maximum.

Note: Out-of-Network expenses are subject to an additional Deductible/Out-of-Pocket Maximum of $500 for single coverage and $1,000 for family coverage.

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CORE ADVANTAGE MEDICAL PLAN EXAMPLE:

Family of Two4

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IN-NETWORK OUT-OF-NETWORK*

Medical Services Plan pays 80% after deductible

Plan pays 60%after deductible

Generic Prescription Drugs

Plan pays at least 80% after deductible so that you pay no more than $5 for each retail purchase or $12 for each mail order purchase


Brand-Name Formulary Prescription Drugs and Brand-Name Non-Formulary Prescription Drugs without a Formulary Equivalent

Plan pays at least 80% so that you pay no more than $50 for each retail purchase or $100 for each mail order purchase**


Brand-Name Non-Formulary Prescription Drugs with a Formulary Equivalent

Plan pays at least 60% so that you pay no more than $75 for each retail purchase or $150 for each mail order purchase**


Here’s how a year might look for a family of two. The family has selected the Core Advantage Plan. All medical care is received in-network.

HRA FundIP Deposit . . . . . . . . . . . . . . . . $1,000

Preventive Care Expenses2 physical exams and immunizations ($300 each) . . . . . . . . . . . . . . . $600 Covered 100% in-network; no cost to family

Medical Expenses10 physical therapy sessions . . . . . . $1,250 8 retail formulary prescriptions (at $50) . . . . . . . . . . . . . . . . . . $400TOTAL . . . . . . . . . . . . . . . . . . $1,650

How medical expenses are paidHRA (IP funded) . . . . . . . . . . . . . $1,000You pay Your Share (100%) of balance of physical therapy . . . . . . . . . . . $250You pay Your Share (20%) of balance of 8 formulary prescriptions . . . . . . . $80Plan pays balance of prescriptions . . . . $320

HRA and Plan pay . . . . . . . . . . $1,320Family pays . . . . . . . . . . . . . . . $330

PLAN SINGLE FAMILY

Core Advantage Plan $2,750 $5,500

PREVENTIVE CAREPreventive care, including wellness visits and routine immunizations and screenings, is covered in full when you see a network doctor. Age and gender guidelines apply. Payments for covered preventive care services do not reduce the amount of your Health Reimbursement Account (HRA) balance.

HEALTH REIMBURSEMENT ACCOUNT (HRA)Your HRA is funded by International Paper. The amount you receive each year depends on the level of coverage you select. Your HRA automatically pays first and covers 100% of your eligible medical and pharmacy expenses as long as there is money in your account. Any money left in your HRA at the end of the year will roll over for your use the following year.

YOUR SHARE If you spend all the dollars in your HRA, you are responsible for meeting the balance of your Deductible, which is called Your Share. All covered family members’ expenses count toward Your Share. Network doctors and hospitals will request payment from you once your claim has been processed by Cigna; network pharmacies, however, will request payment at the time of purchase.

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PLAN SINGLE FAMILY

CDH Basic $500 $1,000

CDH Plus $500 $1,000

YOUR ANNUAL DEDUCTIBLE HRA + Your Share

CIGNA CONSUMER-DRIVEN HEALTH PLANS (CDH)CDH Basic and CDH Plus Plans

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YOUR SHARE

COINSURANCE


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3

HEALTH REIMBURSEMENT ACCOUNT (HRA)

2

PREVENTIVE CARE1

DED

UCT

IBLE

HRA Plan

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3

PLAN SINGLE FAMILY

CDH Basic $2,000 $4,000

CDH Plus $1,000 $2,000

PLAN SINGLE FAMILY

CDH Basic $2,500 $5,000

CDH Plus $1,500 $3,000

COINSURANCE After you meet your Deductible (your HRA plus Your Share), you and the CDH Plan share costs through Coinsurance. There is a cap on the amount of Coinsurance you will pay.

* Based on the maximum reimbursable charge for the service in your area. If you use an Out-of-Network provider, your expenses may exceed the Coinsurance amount shown because the Out-of-Network provider may choose to bill you for charges that are in excess of what your Plan reimburses for covered expenses. Covered Out-of-Network expenses are also subject to an additional Deductible/Out-of-Pocket Maximum of $1,000 for single coverage and $2,000 for family coverage.



Note: Out-of-Network expenses are subject to an additional Deductible/Out-of-Pocket Maximum of $1,000 for single coverage and $2,000 for family coverage.

* The Affordable Care Act limits the out-of-pocket maximum ("OOP maximum") for in-network services obtained by individuals enrolled for family coverage. Once an individual has paid $6,850 out of pocket for CDH Basic in-network services, or $6,850 out of pocket for CDH Plus in-network services, the Plan begins to pay 100% for in-network services for that family member for the rest of the calendar year. The Plan will not begin to pay 100% for the other family members until the $9,000 (CDH Basic) or $7,000 (CDH Plus) family OOP maximum has been reached.

CHOOSING A CDH PLANCDH Basic has lower premiums, while CDH Plus has a lower Deductible. After you’ve been enrolled for a while, you may have a substantial HRA balance, including dollars you’ve rolled over. In this instance, if you initially selected CDH Plus, you might want to consider switching to CDH Basic. You could save on your paycheck deductions and know you can cover the higher Out-of-Pocket Maximum should you have higher health care expenses that year.

Here’s how a year might look for a family of four. The family has selected the CDH Plus Plan. All medical care is received in-network.

HRA FundIP Deposit . . . . . . . . . . . . . . . . $1,000

Preventive Care Expenses4 physical exams and immunizations ($450 each) . . . . . . . . . . . . . . $1,800 Covered 100% in-network; no cost to family

Medical Expenses8 office visits . . . . . . . . . . . . . . . $1,200 3 urgent care visits . . . . . . . . . . . . $70012 prescriptions (brand-name) . . . . . $500TOTAL . . . . . . . . . . . . . . . . . . $2,400

How medical expenses are paidHRA (IP funded). . . . . . . . . . . . . $1,000Your Share (paid by family) . . . . . . . $1,400TOTAL . . . . . . . . . . . . . . . . . . $2,400

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HRA MEDICAL PLAN EXAMPLE:

Family of Four




Generic Prescription Drugs

Plan pays at least 80% after deductible so that you pay no more than $5 for each retail purchase or $12 for each mail order purchase


Brand-Name Formulary Prescription Drugs and Brand-Name Non-Formulary Prescription Drugs without a Formulary Equivalent

Plan pays 80% after deductible


Brand-Name Non-Formulary Prescription Drugs with a Formulary Equivalent



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PLAN SINGLE FAMILY

CDH Basic $4,500 $9,000 family ($6,850 individual)*

CDH Plus $3,500 $7,000 family ($6,850 individual)* Mid-Year

EnrollmentsIf you enroll mid-year as a newly

hired employee or as the result of a qualified change in status, International

Paper’s HRA contribution for your partial year of coverage is prorated.

See myCignaPlans.com for details.

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PREVENTIVE CAREPreventive care, including wellness visits and routine immunizations and screenings, is covered in full when you see a network doctor. There is no deductible for preventive care. Age and gender guidelines apply.

HEALTH SAVINGS ACCOUNT (HSA)You can open a Health Savings Account with the financial institution of your choice, but if you choose to open an HSA with HSA Bank, you can make tax-free contributions through convenient payroll deductions. Your HSA Bank account balance earns interest, and once your balance reaches $2,000, you can invest it in mutual funds. You own all dollars in your account. You can use the money to pay qualified health care expenses as well as eligible pharmacy, dental and vision expenses, or save it for the future.

For 2017, the maximum contribution is $3,400 for employee coverage and $6,750 for family coverage. Individuals who will be 55 or older in 2017 can contribute up to an additional $1,000 in catch-up contributions in 2017. These limits are set by the IRS.

DEDUCTIBLE The Deductible is the amount you pay for covered services before Coinsurance takes effect. You can use HSA dollars or pay out of pocket. All covered family members contribute toward one Deductible. Network doctors and hospitals will request payment from you once your claim has been processed by Cigna; network pharmacies, however, will request payment at the time of purchase.

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CIGNA HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Health Savings Account Medical Plan

HSA MEDICAL PLAN SINGLE FAMILY

Annual Deductible $1,500 $3,000

DEDUCTIBLE

COINSURANCE


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3

PREVENTIVE CARE1

HEALTH SAVINGS ACCOUNT (HSA)

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HSA Plan

In 2017, you can contribute up to $3,400 to your HSA if you elect employee coverage; $6,750 if you elect family coverage. If you are 55 or over in 2017, you can contribute up to an additional $1,000 to your HSA—for a total of $4,400 for those electing employee coverage; $7,750 if electing family coverage.

Advantages of an HSA Bank health savings accountWhen you enroll in the Health Savings Account Medical Plan, you are eligible to open an HSA. Setting up your HSA with HSA Bank allows you to make HSA contributions through payroll deductions. Open your HSA by completing the Online HSA Bank Application on myCignaplans.com. Sign up now so you can begin contributing immediately after you enroll.

Tips for using your CDH or HSA Medical Plan Always show your ID card to make sure you get the network discounts and that your claims are processed correctly.

Once the claim has been submitted and processed by Cigna, you and your network provider will receive an explanation of benefits showing the network discount, the amount paid by your medical plan, and the balance you owe. At this point, the provider should send you an invoice for the correct balance. Pharmacies require payment at the time of purchase.

Here’s how a year might look for a family of four. All medical care is received in-network.

HSA FundFamily’s HSA contribution . . . . . . . $2,500

Preventive Care Expenses4 physical exams and immunizations ($450 each) . . . . . . . . . . . . . . $1,800 Covered 100% in-network; no cost to family

Medical Expenses6 office visits . . . . . . . . . . . . . . . . $9004 physical therapy visits . . . . . . . . $1,000 12 prescriptions (brand-name) . . . . . $500TOTAL . . . . . . . . . . . . . . . . . . $2,400

How medical expenses are paidThe family elects to pay all $2,400 from their Health Savings Account. The entire amount applies to their annual deductible.

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HSA MEDICAL PLAN EXAMPLE:

Family of FourCOINSURANCE After you meet your Deductible, you and the HSA Medical Plan share costs through Coinsurance. You can choose to use HSA dollars or pay out of pocket.

* Based on the maximum reimbursable charge for the service in your area. If you use an Out-of-Network provider, your expenses may exceed the Coinsurance amount shown because the Out-of-Network provider may choose to bill you for charges that are in excess of what your Plan reimburses for covered expenses. Covered Out-of-Network expenses are also subject to an additional Deductible/Out-of-Pocket Maximum of $1,000 for single coverage and $2,000 for family coverage.






Generic Prescription Drugs Plan pays 80% after deductible


Brand-Name Formulary Prescription Drugs & Brand-Name Non-Formulary Prescription Drugs without Formulary Equivalent



Brand-Name Non-Formulary Prescription Drugs with Formulary Equivalent



PLAN SINGLE FAMILY

HSA Medical Plan $3,500 $7,000 family ($6,850 individual)*

Note: Out-of-network expenses are subject to an additional Deductible/Out-of-Pocket Maximum of $1,000 for single coverage and $2,000 for family coverage.

* The Affordable Care Act limits the out-of-pocket maximum ("OOP maximum") for in-network services obtained by individuals enrolled for family coverage. Once an individual has paid $6,850 out of pocket for in-network services, the Plan begins to pay 100% for in-network services for that family member for the rest of the calendar year. The Plan will not begin to pay 100% for the other family members until the $7,000 family OOP maximum has been reached.

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Advantages of an HSA Bank health savings accountWhen you enroll in the Health Savings Account Medical Plan, you are eligible to open an HSA. Setting up your HSA with HSA Bank allows you to make HSA contributions through payroll deductions. Open your HSA by completing the Online HSA Bank Application on myCignaplans.com. Sign up now so you can begin contributing immediately after you enroll.

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SUPPORT FOR MANAGING YOUR PLAN AND YOUR HEALTHCigna can help make your health care choices easier.

Here are some of the tools available once you are enrolled.

24-Hour Health Information LineYou can talk with a nurse 24 hours a day, seven days a week, 365 days a year for advice and health support around the clock. Call 1.800.244.6224.

24-Hour Customer ServiceCigna customer service representatives are available 24 hours a day, seven days a week, 365 days a year, including holidays, to answer your benefits and claims questions. Anytime you need help, call 1.800.244.6224.

myCigna.comYour personalized website provides online tools to help you manage all your health and claims information. Once you register, you can sign in anytime to:

• Verify what’s covered by your medical plan or check the status of a claim

• Get estimated costs for common medical services and compare hospitals on cost and quality

If you elect Cigna Dental coverage, there are even more tools:

• Search for a dentist

• Compare out-of-pocket costs among dentists

• Schedule an appointment online

Cigna Healthy Pregnancies, Healthy Babies®

Get information to support your goal of having a healthy pregnancy. If you enroll during your first or second trimester and complete the program, you'll receive a reward card to help cover some of your maternity care expenses.

Health Decision Support Cigna can work with you and your doctor to review treatment options and help you choose the right care. If you need to be hospitalized, Cigna will help determine your length of stay and help you plan for follow-up care after you leave the hospital.

Healthy Rewards®* You can receive discounts on many products and services not covered by your medical plan. Save on massage therapy, laser vision correction and weight loss programs.

* Some Healthy Rewards programs are not available in all states. If your Cigna plan includes coverage for any of these services, this program is in addition to, not instead of, your plan benefits. Healthy Rewards programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge.

Cancer Care Specially trained nurses help individuals with cancer to better understand their diagnosis, treatment, medications and potential side effects.

MDLIVE® A leading telehealth provider of online and on-demand health care services, MDLIVE offers access to health care when you cannot get to your regular doctor and need help with a diagnosis and treatment. (MDLIVE is not available in some states.)

MDLIVE provides:

• Immediate, 24/7/365 access to affordable, quality non-urgent care

• A national network of licensed, board-certified U.S.-based doctors and pediatricians

Call 1.888.726.3171 when you need to see a doctor.

Transplant Network If you need an organ or bone marrow transplant, Cigna has a network of more than 100 transplant centers that are nationally recognized for their quality care.

Save Money with Flexible Spending Accounts

International Paper offers three flexible spending accounts you can use to reimburse certain out-of-pocket expenses with pre-tax dollars.

• Health Care Flexible Spending Account

• Dependent Day Care Flexible Spending Account

• Limited Purpose Health Care Flexible Spending Account (for dental and vision out-of-pocket expenses if you enroll in the HSA Medical Plan)

For the current list of eligible health care expenses, go to Cigna.com/expenses.

Get the Right Care with Best Doctors® Program

Get an In-Depth Medical Review™ through the Best Doctors program. A nationally recognized expert specialist will conduct a full review of your medical records, diagnosis and treatment plan. Best Doctors is an independent resource, not associated with your health plan, and no one at IP or your medical plan will know you called. Go to members.bestdoctors.com or call 1.866.904.0910.

Put Better Health Where Your Mouth Is

Cigna offers the Cigna Dental Oral Health Integration Program® (OHIP). The OHIP is designed to provide enhanced dental coverage for participants with certain eligible medical conditions. To learn more, call Cigna at 1.800.244.6224.

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Cigna can help make your health care choices easier.

Any reference to the information or websites of any non-Cigna-affiliated entity is provided for informational purposes only. Cigna neither reviews nor controls the content and accuracy of these references or websites, and therefore will not be responsible for their content and accuracy. “Cigna” and the "Tree of Life" logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including Connecticut General Life Insurance Company, and not by Cigna Corporation.

16-0231 CORE ADV © 2016 Cigna. Some content provided under license. Cover Paper: 10pt. White Carolina C1S Ultra Text Paper: 80lb. White Accent Opaque Smooth Text

2017 CIGNA - Hewitt · cigna consumer-driven health plans (cdh) cdh basic and cdh plus plans 1 your...

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